Good Afternoon my fellow MyFicoer's since I live in the DC Metro area I decided to and checkout PenFed live and in person today...I only had ONE JOB to do and that was simply open a checking account since I already had a savings account with $100 in it and I was only going to deposit $500 into my new checking account..Soooo I arrive as their very first customer today at their Pentagon City location at 9AM...A bank filled with all WOMEN...EVIL GRIN...They greeted me and asked if I need Member Services and I said yes I wanted to open a checking account and deposit cash into it...So this nice woman said I will help you and I walked into her office and I showed her my CAC (Military ID) and Driver's License and she made copies of both. I filled out the checking account form and check card form. She said that they will pull my credit in order to open my checking account and that they can use that pull to apply for other loan products...So I told yes sure OKUR!!! She took $25 from my savings account to initially fund my Access Checking and since I was depositing $500 that I would avoid the monthly balance fee if that account goes below $500...So instantly my checking account was approved and I filled out the deposit slip to put the cash into my account so she left and came back and then started small talk with me aka FLIRTING...She said do you want a credit card the best card we have to offer is the Platinum Rewards Signature Visa at first I was like no I have enough credit cards and she was looking at her screen and said are you sure kinda coy like...I said what you looking at GIRL as I tried to sneak a look at her screen...SIGH...Soooo I relented and said yes sure why not and then she said oh you're approved for $43,000 @ 13.24% and I was like SAY WHAT??!! Then she went on to say oh you applied for an auto loan and I said yeah but I didn't complete it sooooooooo she went and completed it for me all slick and everything but I didn't mind because she is georgeous and sexy 
She said what car are you wanting to buy I told her a 2017 Cadillac XT5 Platinum so in her computer it only showed model year 2016 no 2017 yet then she left and talked to her manager who told her yes we can do that sooooooo she went to complete the application but only one thing is holding it up and that is I don't have a VIN for the car because it is being built and I told her that I want $64,000 and their GAP and I told her that I was putting down 25% and paying TTL, Extended Warranties out of my pocket she was like OH MY!!!! Hold up and then came back when you get your VIN and Purchase and Sales Agreement you are approved for $64,000 @ 0.99 for 60 months...I HOLLERED!!!! LOL!!!
Then I asked about a PLOC and she approved me for $15,000 @ 10.25% I was you know what I am going to marry you Amera
I had NO IDEA that PenFed was this GOOOOOOODDDDDD!!!!
FYI...They use EQ NextGen scoring model 950 scale and my score was 841....SAY WHAT??!!! I was dancing inside PenFed.....LOLCATS!!!!
